I feel like many people are also underestimating the large change in margins when overseas travellers enter again. Its a growth business, market share is key here especially considering how little we have in small business (circa 5% of the market which is continually expanding as card takeup continues)
At the end of the day, i don't understand why people are treating this like a bank when they feel like it and then a growth business when it suits. Name me one BNPL which will even make money in the growth end of the market, their margins are not existent
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